Pennysaverblog – Page 202 – Smart Finance and Money Saving Tips

5 Ways To Save Money At The Hair Salon

Keeping your hair both maintained and looking good can be a serious investment. Getting your hair professionally cut, shaped, blow-dried, dyed, highlighted and permed at a hair salon can be incredibly expensive. Some people who have their hair dyed professionally can end up spending hundreds of dollars every month. This can seriously start to add up, especially if you have to make monthly trips to your stylist. You might want the newest celebrity hair-do, but what most people don’t realize is that these celebs have an around the clock team, which most of us don’t have the resources for.

Here are 5 ways to save money at the hair salon:

Take care of your hair. One of the best ways to make a haircut last is to make sure your hair is healthy and well conditioned. Most people don’t take the time to condition their hair a few days a week after a visit to a professional stylist, which can lead to many more visits to the hair salon. It is recommended that after you go to the stylist that you make sure to pick up a top of the line conditioner, which can maintain the health and styling of your hair for much longer.

Get a cut that works for your specific hair type. Most people rip out pages from the latest celebrity gossip magazine hoping to recreate a hairstyle they like on one of their favorite actresses or recording artists. However, everyone’s hair is vastly different and it can be expensive to recreate someone else’s hairstyle, because of all the maintenance that is involved. It is best to find the right cut and style that works for your particular hair type.

May 8, 2013

Household

How To Reduce Your A/C Costs With The Right Landscaping Design

With the right landscaping design you could save a significant amount of money on your energy bills. According to the Department of Energy, proper landscaping is the best way for homeowners to decrease their carbon footprint and save money, especially in the summer months when we blast our air conditioners. In fact, without a properly placed tree or shrub, we are essentially throwing out money each time we pay our utility bills. Just like we protect our homes against thieves, we should also protect our homes against the sun during the summer months. Here are some ways to reduce your A/C costs with the right landscaping design.

Plant deciduous trees on the south and east sides of your home. During the summer months is when the heat will be pouring through our windows and heating up our homes. With properly placed and planted deciduous trees, the leaves can block out up to 60% of sunlight during the summer months and when the tree loses its leaves during the winter, it can bring the sunlight back to warm the house. You could even plant evergreen trees on the north and west side of the house to protect against the heat from the setting sun.

May 7, 2013

General

Is It Wise To Try Handling Your Own Legal Matters To Save Money?

In most cases it is not wise to handle your own legal matters. Is it legal? Yes, handling your own legal matter is completely legal. In fact, “in pro per” is a common term in legalese that means someone is representing themselves in their own legal matters. However, depending on the size of the lawsuit and whether it is a criminal or civil case, it can be quite disastrous if someone doesn’t have the knowledge to “represent” themselves. If you are the defendant in a legal case you can increase your chances of losing your freedom and basic liberties by going to jail, and in a civil court you could easily lose a lot of money.

For one, law documents are complicated. There is a reason why lawyers need to go to school for multiple years and study for extremely hard tests to pass their bar in order to legally practice law in a particular state. When you represent yourself, it is usually up to you to file all the documents to make the case legitimate. In a civil case there can be multiple documents to file with the court if you are the plaintiff. If you are the defendant you will need to be aware of all the terms and agreements so that you know what your rights are in a civil court. If you don’t you could be going completely blind against a plaintiff who could have a very knowledgeable and adept lawyer by their side.

May 6, 2013

Debt

5 Ways For College Students To Improve Their Credit Scores

Most students haven’t thought twice (or even once) about their credit score, mainly because they’ve had no real reason to. But once you start applying for student loans or decide to rent an apartment, your credit rating is suddenly going to become important. Whether you have stellar credit, a spotty history, or no rating at all, it can have an impact on what you’re able to accomplish in terms of getting a line of credit or a lease. So here are just a few ways to improve or build your credit score.

Pay your bills. Even if you have no credit history to speak of, there are other ways for lenders to determine whether or not you’re worthy of receiving a line of credit. For example, they may look at bank accounts to see if you maintain a balance or suffer from frequent overdrafts (showing your money management skills). Or they might look at your history of bill payment. As a new student you may not have any history, but eventually you’ll pay for rent, utilities, and other monthly bills, and creditors can look at these in lieu of a credit score. You can also self-report payments with a company like PRBC (Payment Reporting Builds Credit) as a way to improve your appeal to lenders.

May 5, 2013

Household

5 Home Improvements That Help Reduce Energy Usage & Costs

Chances are, there are a couple of times each year when you find yourself looking around certain areas of your home and you think to yourself “This space could definitely use a bit of an upgrade.” While it’s nice to do aesthetic changes such as coloring the walls another color or purchasing some new furniture, did you know that there are some home improvements that can actually help to reduce the amount of energy you use; ones that help to lower the amount of money that you spend each month? If you’re curious to know about what some of those things are, keep reading:

Conduct your own energy audit. Before you do anything, we advise that you conduct your own energy audit in your house. When it comes to monitoring the use of energy in your house, it’s a surefire way to determine what areas of your home are working at optimal levels and which are not. (For more information, go to Energy.gov and put “Do It Yourself Energy Audits” in the search field.)

Put in a couple of more ceiling fans. During extreme hot and cold weather, that is when we tend to rely the most on our central air units. This also means that more times than not, that’s when our electricity bills double or triple the average amount. One way to help to keep them down is to turn on the ceiling fans that you already have and/or to buy a couple of more. In the summer, they help to circulate cool air and in the winter, if you set them to rotate counterclockwise, they pull the warm air down closer to where you and your family are sitting.

May 5, 2013

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